Tower Hill Insurance Exchange in Pompano Beach: What Homeowners Must Know Before Filing a Claim

If you're a homeowner in Pompano Beach, you’re no stranger to extreme weather, aging infrastructure, and seasonal storm threats. When property damage strikes—whether from a burst pipe, roof leak, or hurricane—you turn to your insurer for relief.

For many residents, that insurer is Tower Hill Insurance Exchange. But filing a claim is not always straightforward. In fact, a single mistake in your claim submission can lead to weeks of delays or a denial that leaves you covering repairs out of pocket.

This guide walks Pompano Beach homeowners through everything you need to know to file correctly, avoid common pitfalls, and get legal help when your insurance company doesn’t hold up its end of the deal.

Overview of Tower Hill Insurance Exchange in Florida

Tower Hill Insurance Exchange is a reciprocal insurer serving thousands of Florida homes, including many in Broward County and Pompano Beach. Their standard homeowner policies typically include:

• Windstorm and hurricane coverage

• Water and plumbing damage

• Fire, smoke, and electrical hazards

• Mold remediation (in some cases)

• Temporary housing (loss of use)

However, Tower Hill has received criticism for slow responses, vague denials, and low valuations, especially during periods of high claim volume like post-hurricane season.

📌 Reminder: As a subscriber-owned exchange, Tower Hill is supposed to prioritize its members—but that doesn’t prevent disputes over coverage and settlement amounts.

Filing a Claim in Pompano Beach: Local Considerations

Filing a claim in Pompano Beach requires more than just submitting a few photos. Here’s how to protect your payout from the start:

✅ Step 1: Survey and Document the Damage

• Use timestamped photos and panoramic views

• Record short videos for large damage zones (roof, ceiling, floors)

• Include before-and-after shots if you have them

• Save receipts for emergency mitigation (like water extraction)

✅ Step 2: Report the Claim Promptly

• Visit https://www.thig.com to begin your claim

• Provide specific dates, times, and cause of damage (e.g., “roof failure after May 3 windstorm”)

• Keep a copy of your confirmation email and claim number

✅ Step 3: Upload Evidence and Get Estimates

• Submit multiple contractor estimates, not just one

• Attach inspection reports, plumbing or HVAC assessments

• Include personal statements from witnesses, if applicable

📍 Local Tip for Pompano Beach Residents: Homes near the Intracoastal or with older stucco exteriors may suffer hidden water intrusion—have a professional check for unseen damage before submitting your claim.

Mistakes That Could Jeopardize Your Claim

Here are common missteps Tower Hill policyholders in Pompano Beach should avoid:

• Delaying the claim filing after discovering damage

• Not submitting enough documentation to justify repairs

• Accepting the first payout offer without cross-checking it with actual costs

• Failing to follow up with adjusters or claims agents

• Neglecting to dispute vague denial reasons

🔗 Related: How to Avoid Having Your Property Claim Denied

Steps to Take If Your Claim is Denied or Stalled

If Tower Hill denies your claim or offers far less than your repair costs, you don’t have to accept it. Here’s what to do:

• 🛠️ Step 1: Ask for a Written Denial Explanation This document can reveal whether the denial was based on poor documentation, a policy exclusion, or an internal error.

• 🛠️ Step 2: Get a Professional Second Opinion Hire a public adjuster or independent contractor to inspect the damage and issue a report.

• 🛠️ Step 3: Submit a Supplemental or Dispute Claim Include new evidence and contractor quotes to challenge the original decision.

• 🛠️ Step 4: Consult a Property Damage Lawyer If delays persist or your payout is unfair, an attorney can escalate the matter legally.

Why Pompano Beach Residents Choose Louis Law Group

Louis Law Group has extensive experience representing Pompano Beach homeowners whose claims with Tower Hill or similar insurers were mishandled.

Here’s how we help:

• Review your policy to uncover hidden coverage

• Handle communications and protect you from adjuster manipulation

• Dispute undervalued settlements with real evidence

• File legal actions when the insurer delays or acts in bad faith

Our legal team has secured compensation for:

• Roof and ceiling collapse

• Hidden water damage

• Mold claims after plumbing failures

• Denied hurricane damage claims

🔗 Related: Tower Hill Insurance Exchange in West Palm Beach: File Your Claim Right and Protect Your Rights

FAQs

Q1: My claim is marked "under review" for two weeks—what should I do? Call Tower Hill for a timeline. If there's no update after 14 days, legal help can apply pressure.

Q2: Is saltwater intrusion covered in my Tower Hill policy? Only if caused by a storm surge under hurricane/windstorm coverage. Flood insurance may be separate.

Q3: Can I hire my own roofer or must I use theirs? You're legally allowed to choose your own licensed contractor—Tower Hill cannot require otherwise.

Q4: How can I protect myself from underpayment? Get multiple quotes and ask your contractor to provide a detailed materials/labor breakdown.

Q5: What is the fastest way to escalate a denied claim? Contact a property damage attorney who can file a Civil Remedy Notice and initiate formal legal action.

Conclusion

Filing a property damage claim with Tower Hill Insurance Exchange in Pompano Beach shouldn’t feel like a battle—but for many homeowners, it does. Whether you're dealing with storm damage, leaks, or structural failures, how you file and follow through can determine if you’re made whole—or left hanging.

If you’re facing claim delays, vague denials, or payouts that don’t cover the damage, don’t settle. Louis Law Group is ready to stand by your side and demand what your policy truly promises.

Is your insurance claim bringing resolution—or resistance?

Contact Louis Law Group today for a free consultation. Call 833-657-4812 or submit a free case evaluation form to get started. Don’t wait—let us help you take the first step toward justice and financial recovery.